• Dick McEvoy


Updated: May 8, 2020

Having retired in early 2013, I am still growing and exploring in this challenging, but exciting 4th quarter of my life. Through this Blog, I invite you to learn alongside me, and share your ideas/thoughts/concerns. My goal is to build a community of like-minded people who can help enrich other people’s retirement while simultaneously making their own retirement as rich and fulfilling as it can be.

The Nautilus shell of an underwater creature (actually, a marine mollusk called a cephalopod) presents a beautiful, natural example of a logarithmic spiral, and as the Nautilus grows/matures it creates new, larger chambers for its growing body to move into.

Here at I have chosen this strikingly beautiful symbol to portray the various stages that a happy and successful retirement can grow through.

Stage #1 Secure Today’s Financial Position

Free Download: The Budgeting System

This first stage is where we build the confidence that we can manage our finances through a retirement period that might last 20, 25 or even 30 years or more. This is where we get back to the basics of budgeting, planning, and continued savings as we learn to better understand some of the obstacles that can lay ahead.

Stage #2 Enhance Your Future Financial Position

This second stage is where we realize that we need to continue to grow our nest egg, but we also need to do it in such a way that we greatly reduce our investment risk. We pay down debt as much as possible before our actual retirement, and then we learn to value such investments as perpetual dividend growth stocks, and top-rated corporate bonds. We begin to see real value in a 5% - 6% return with much less volatility.

Stage #3 Teach Your Children About Financial I.Q.

Free Download: The Budgeting System

Do you know that one of the greatest gifts that you can give your children and your grandchildren is a sound Financial I.Q. at an early age! An understanding of the power of compounding in someone’s teen years can be worth more than a Million Dollars, AND the lesson is FREE! (see Teach Your Children About the Power of Compounding.)

Stage #4 Promote Personal Health & Fitness

If we are going to develop winning portfolios that can last us for the next 25+ years, let’s also learn how to keep ourselves healthy and fit so that we may enjoy the fruits of our labors. I witnessed how my own mother was able, through a fairly simple exercise program, to strengthen her core and her balance at the age of 91 years old, so that she was able to become more mobile even at that advanced age. I am therefore certain there are things that we can all be doing to strengthen our own health and fitness.

Stage #5 Explore Your Creative Spark

While I believe this stage is for everyone, I find it particularly important for men!

Most women I’ve known – my wife included – have done a much better job of cultivating and nourishing close, same sex relationships; while many (if not perhaps most) men have had pretty much all of their male relationships built through their work.

In retirement, women appear to be much better equipped to find things they enjoy doing with their extra time, either with kids/grandkids or with social activities with some of their many friends, BUT men seem to often struggle with “what to do with their time during retirement.”

In this 5th Stage we will investigate a number-of-ideas and see if we can’t find new activities that men (and women) can enthusiastically pour themselves into. An enjoyable retirement is one where we are still finding ways to challenge ourselves, and where we are continuing to grow as individuals.

Stage #6 Recognize Your Blessings and Give Back

In this stage we will take the time to recognize all that we have been blessed with – starting with the accomplishment that we have even made it to retirement age, and we are able to at least start to think about how we can make this next stage of our lives happy and successful. Together we will explore various ways that other retired individuals have found things to make other peoples’ lives a little better than the day before.

I am 7 years into my own retirement and I am still striving to find ways that I can continue to grow, I wake each morning with a zest for what my day has to offer and I look forward to meeting and communicating with my Readers to see how we can work to further enhance each other’s days to come.

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